# Matthew Kelley

> Matthew Kelley is a fee-only financial advisor at Gold Medal Waters, Inc. in Boulder, Colorado, who holds the AAMS, AIF and CFP credentials. Matthew charges a flat fee or retainer and an ongoing planning fee (ongoing planning from $8,500 a year) and focuses on retirement planning, tax planning and small business owners.

Page: https://find.wellspent.co/advisors/matthew-kelley/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Gold Medal Waters, Inc.
- **Based in:** Boulder, Colorado
- **Fee model:** Flat fee or retainer; Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $8,500 a year
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $285.6M across 666 accounts
- **Credentials:** AAMS, AIF, CFP
- **Specialties:** Retirement planning, Tax planning, Small business owners
- **Works with:** High earners, Physicians
- **CRD:** 4504752 (https://adviserinfo.sec.gov/individual/summary/4504752)
- **SEC registration:** Investment adviser representative in CO
- **Exams passed:** Series 66 (2002)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** https://goldmedalwaters.com

## Frequently asked questions

### Is Matthew Kelley a fee-only financial advisor?

Yes. Matthew Kelley is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Matthew's firm.

### How does Matthew charge for financial advice?

Matthew charges a flat fee or retainer and an ongoing planning fee.

### How much does Matthew charge?

According to Gold Medal Waters, Inc.'s website, checked October 28, 2026: ongoing planning from $8,500 a year.

### Where is Matthew Kelley based?

Matthew Kelley is based in Boulder, Colorado.

### What does Matthew specialize in?

Matthew's specialties include retirement planning, tax planning and small business owners. Matthew works with high earners and physicians.

### What credentials does Matthew Kelley hold?

Matthew Kelley holds the AAMS, AIF and CFP credentials.

### Is Matthew Kelley registered with the SEC?

Yes. Matthew Kelley is registered as an investment adviser representative in CO (CRD 4504752), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Gold Medal Waters, Inc. manage?

Gold Medal Waters, Inc. reports $285.6M across 666 accounts in assets under management.

### How do I contact Matthew Kelley?

Through Matthew's website, goldmedalwaters.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/3339): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.goldmedalwaters.com/): specialties, clients served, and fees, checked October 28, 2026

---

Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.